Rural cooperative loan is a loan jointly launched by Yongkang Rural Commercial Bank and Yongkang Supply and Marketing Cooperatives. It is distributed to the directors, supervisors and members of Yongkang Farmers' Cooperative Economic Organization Federation with good credit, stable income and repayment ability to meet their production, operation and personal and family consumption needs. The interest rate is very low. Ordinary members only need to pay 2 yuan interest for one-day 1 10,000 yuan one-year loans, and directors and supervisors only need to pay 1 .82 yuan for one-day110,000 yuan one-year loans.

The purpose and scope of loans issued by credit cooperatives is to determine the "order of use of funds" under the premise of ensuring the funds needed for agricultural production, according to the national industrial policy and according to their own financial strength, that is, planting and breeding industries first, then other agriculture, township enterprises, individual industrial and commercial households, members' lives and other enterprises. If its own financial strength is available, credit cooperatives can provide loan support as long as the projects allowed by national policies and decrees can truly realize the expected economic benefits and repay borrowers.